Credit Cards

[db23]

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serenity72 wrote:

ty the only reason im thinking of cap one is for there fertility healthcare loan. I am not sure what score you need for them for a loan or a card, but I want to get my foot in the door with them so if I cant get approved for the fertility care right now I could maybee work up to it with a card through them. My experian score is 527, eq 498, and transion 478

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Have you tried to repair your credit before applying for loans and credit cards?

[ObsessedwithmyFico]

If you can possibly get another card, other than CAP1, I would advise it.. Unless you want a card that is darn near impossible to get a CLI. I have three I got way back when, that I will be cancelling when the annual fees are due again next year. maybe sooner. Just paranoid about closing cards.

[kc12286]

Yeah I have to agree. Capital was the first card I applied for when I was 18, it was my mother's suggestion, and they are very difficult. I've always paid my bill in full, never missed a paymemt or paid late, yet when I tried to increase my credit limit one time, I was automatically denied. They did increase later on, but most card companies would have increased my CL.